A loan of $1,750 helped a member to buy salt in bulk to resell.


The Ownership Is God Group's story

Lawrence is 40 years old. He is married and the father of three children, two boys and one girl, who are in school. He is a salt trader. He supplies salt to food vendors and others. He travels to Accra to buy his salt, but he buys only a few bags of salt on each trip, because he does not have enough money to buy more. He must travel to Accra frequently to get enough salt to sell. He asked some family members for financial assistance, but to no avail. Lawrence is requesting a loan to buy a bulk supply of salt. He believes this will reduce the risk of frequent travel. He dreams of saving more to pay for his children's education.

Lawrence is the leader of a trust bank group called "The Ownership is God." He appears in the middle in the group photograph. Most of the members of this group are small-scale traders, food vendors, and farmers. In this group, members guarantee for one another as social collateral to access the loan and provide peer pressure to repay the loan.

In this group: Lawrence, Lydia, Theresa, Diana, Veronica


Loan details


Lenders and lending teams



Loan details